Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$188,767Cash toward the purchase price.
Closing costs + prepaids$15,122Not just lender fees.
Before credits & paid funds$203,888The complete starting cash picture.
Estimated remaining funds due at closing
$203,888No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$188,766.94
Your down payment$188,766.94
Closing costs + prepaids$15,121.54
Total buyer cash needed$203,888.48
Remaining funds due$203,888.48
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$5,999.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$2,055.67
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$586.25
Prepaid interest, first (31 days)$1,012.63
Fees + prepaids$15,121.54
Your down payment is the seller’s equity. You take over the $411,133 balance, so the rest of the $599,900 price is paid at closing. A second mortgage can cover part of it. $203,888.48 is due at closing. Uses and sources reconcile at $615,021.54 each. Not a Closing Disclosure.